Bethany Financial Planning & Retirement Planning – Financial Advisor 405-418-6266
Financial Advisor Bethany
Are you seeking a financial advisor to assist with your financial planning and retirement planning? If so, you’ve found the perfect place. We are Oklahoma City Financial Planning Pros and we are excellent financial advisors. First of all, congratulations on being wise enough to search for professional help in this super important part of your life.
As you know, we only get one chance at life and one chance to get this right. Life goes by far too fast. If we decide to go it alone and fall short of where we should be, it’s often difficult to make up for lost growth. The longer you hold off on this, the more difficult it will be to come back and reach your portfolio goals. According to a recent Forbes survey, only 52% of people ask for the help of a financial advisor or financial planner. They also revealed that investors who do ask for professional help have stronger financial performance than individuals who do not. It’s good to ask for help from a smart financial advisor.
Many people start with basic questions like: (1) How much do I need to retire? (2) What’s the real difference between an Individual Retirement Account and an 401k? (3) How much will I need to retire? (4) Do I need alternative investments? (5) Is a 401k better than an IRA? The list of questions goes on and on. Finance and investing can be very complex and mind boggling sometimes.
We are known for providing simple, proven and very effective financial strategies to help people reach your financial and retirement goals. After all, we know if a solution it too complex to learn, it will be too difficult to set up and monitor and thus will not be acted upon in the first place. That’s why we keep things simple.
Financial Planning Bethany
Our first goal in financial planning and helping you succeed financially is to first get a baseline of where you are today financially. Are you on track to obtain your financial and retirement goals? Many people have no idea what-so-ever. As we know for sure, before you can get to where you need to go, you first need to discover where you are at this time.
In our alignment with keeping things easy, we have developed a series of our own, custom retirement calculators like; a retirement savings calculator, a retirement planning calculator and various retirement planning tools that are super easy to use, yet very effective. Our simple retirement calculators are totally free to use and they are online, so you can go online and use them at any time it is convenient with you and your schedule.
Lots of our clients use them all the time running various “what it” scenarios to see how little edits in their financial planning can impact their total results. The first simple retirement calculator we suggest you begin with could not be any simpler to use. You simply plug in your age, the age you wish to retire, the amount you currently have saved for retirement now, how much you contribute on an annual basis, your desired yearly income during your retirement years, the approximate rate of return you are currently getting on your portfolio and the rate of return that you estimate you will achieve during your retirement years. It’s that easy. Now you just click the calculate button.
The results of your inputs pull up instantly. It will show you if you are on track to reach your retirement goals or not, and if not, it will show you exactly how far off you are in funds, years and percentages. If you are not on track, it will even show you the 4 critical areas that you can make changes to to be sure you reach your goals. Based on the findings you can go back and plug in some different combinations of numbers and keep going back and forth and discover if you can reasonably make changes to obtain your goals.
It’s really very fun to do. For most people it’s a real eye-opener. Knowing where you are now and being honest about your current standings is half the battle.
Note: We work with many high net worth people who love using our plans to grow their net worth and protect themselves from rising tax rates, creditors, soaring fees and keeping their funds private and off the grid. However, quite a few of our clients consider themselves to be pretty average.
If you are not on track to reach your goals, please don’t be discouraged. Today 61% of Americans fear running out of money during retirement more than they fear death itself! Our goal and our job is to work with you and help you get your finances on track and help you create a lifetime, tax-free retirement income that will last as long as you last.
Bethany Financial Planners
As financial planners, usually our next step is to help protect you from spending more than you need to on taxes and also protect you from what we think will be, future tax rate increases. Did you know that the amount most Americans spend on taxes is the single biggest financial expense of their life? Lots of people have no clue, yet it is true for most of us. The average American spends more on taxes than they do on on any other expenditure
That’s why it is so important for us to focus on this major expense and reduce your taxes as much as possible. We believe that our best financial plan that we happen to call The Barefoot Retirement Plan is the single best way to protect yourself and save on taxes that’s legally allowed in this amazing country of ours. It truly is that powerful. In a nutshell, this is how our program works.
You invest post taxed dollars to our plan. Yes, unlike your IRA and 401(k) (which are called qualified plans) where you invest pre-taxed dollars, our plan requires you to pay the tax on the money before you invest it. On the surface this may not look as good as your IRA or 401(k) but please keep reading. We will clearly show you how our program will out perform these other plans, bar none!
You funds then grow tax differed within your account. If you need your funds for any reason at all like emergency, an unexpected expense, an unexpected opportunity or investment, college savings or anything at all, you can simply take your money out at any time. We will show you how you will be able to access your funds at any time with no penalties, no fees and no taxes.
Then, when you retire, 100% of your retirement funds that you pull out to live on are completely and totally free of taxes. This is such a big thing. At the time this is being written, Bernie Sanders is running for President. He is wanting a 92% top Federal marginal tax rate. Yikes! Plus last week the US debt just surpassed the 19 Trillion mark. (If you look at our National Debt Clock, it will shock you.) It only took us 13 months to go from 18 trillion to 19 trillion. With the way things are going now, most experts believe that the future tax rates will have no choice but to rise significantly.
By setting up a Barefoot Retirement Plan you can completely protect yourself from having to pay any taxes on the funds you pull out. This one benefit alone can make or break most people’s retirement plan.
Retirement Planning Bethany
The next action we take in our retirement planning is to get you protected from losing money in the stock market. Second to taxes, stock market losses are the next big event that can ruin your retirement dreams and keep you working for much longer than you hoped to. Many investors lost upwards of 50% of their money in the Dot Com crash of 2000. Then, just as most of them were just getting back to where they were before the last crash, we had the next market crash of 2007/2008 and many investors lost another 40% to 50% of their portfolios.
Millions of hard working Americans were just getting ready to retire. When the crash triggered and they lost almost half of everything they had spent a lifetime building up, it was devastating. That is why the team at Oklahoma City Financial Planning Pros works so hard every day. We work to get our clients 100% protected from stock market losses and crashes, and yes, it truly is possible.
With our patented plan you are completely guaranteed not to lose a single dollar due to market downturns, losses or crashes. I cannot even begin to tell you how much peace of mind this brings to our clients. Imagine how much better you could sleep at night knowing that you were guaranteed not to lose a dime in market declines. This one feature alone can make the difference between you having the retirement of your dreams or not.
When you get our plan set up, when the market goes up, you lock in your gains each year. When the market goes down, you lose nothing and your previous gains are locked in and protected from losses. Our plan is smart on steroids.
Wealth Management Bethany
We also assist our clients with wealth management to insure they reach their investing and financial goals. One of the powerful benefits of our unique and patented flagship program that we offer is that our program gives you the option, if you choose to use it, to leverage your returns and actually earn 2 different returns, on the same funds, at the same time. Yes, we know the first time most people hear this, it sounds too good to be true and may even question if it is legal. We assure you it is squeaky clean and as legal as legal gets.
Until recently plans like ours have primarily been used by wealthy families, politicians and huge corporations. Believe me, they know the best ways to protect their money from taxes and losses. That’s why they use these plans so widely. Now these plans are more available to the main stream and not just the rich.
Here is a high level look at how the leveraging option could work. Many clients choose the blended index option that has a 0% floor and a 17% cap. So if the value of the indexes’ tracked goes up twenty percent in a given year, you earn seventeen percent on your money, and your gains are always locked in. Or, if the value of the indexes goes down twenty percent, you maintain your 0% floor and have no losses at all.
You then have the option to borrow the majority of the funds from your account. (You have to do this correctly and we’ll show you how), and you can then invest those funds into ANYTHING in the world that you wish. You don’t have to seek permission from anyone to do this. You are not limited to a list of investment options. You get to choose to put your funds into anything you want or need to, no problem.
Let’s use an example. Say you have $100,000 in your Barefoot Retirement account. That 100k earns between zero percent to 17% each year. Then you decide to borrow 80k from the account and put it into a great real estate deal you found. Since you borrowed the funds from your account and did not take them out, your account value remains $100,000 and you continue to earn the zero percent to seventeen percent on the entire 100k account value.
Additionally you earn whatever return you get on your $80,000 that you put into your real estate deal. So you are affectively earning two different returns on the same money at the same time. This is a powerful strategy and can have a very positive impact on your total returns.
We could go on and on about all of the many benefits of this powerful plan but we are limited in space here. The best way to get more information on this plan is to give us a call. We’re happy to speak with you and answer any of your questions. More importantly we are happy to schedule a free 15 minute phone consultation with you to best determine if this might be a good fit for you and if so, we can run some numbers and show you exactly what a Barefoot Retirement Plan could look like for you.
I encourage you to take action now. You know how things pop up and our attention can be lost in a moment. This is far too important to leave to chance. Don’t wait. You have nothing to lose. Give us a call right now and at least take the first step towards what could be the best move of your life. We’re looking forward to talking with you.
For The Best Financial And Retirement Planning In Oklahoma County Call Us Today At: 405-418-6266